In 2025 , savings certificates from Egypt’s top financial institutions — the National Bank of Egypt ( NBE ) and Banque Misr — continue to Attract investors seeking stability and secure income . Following recent interest rate changes by the Central Bank of Egypt , both banks have revised their offerings to balance high Returns with long-term sustainability .
National Bank of Egypt ( NBE ) — Savings Certificates Details
One-Year High-Yield Certificate ( Launched January 2024 )
- Annual Yield : 27% with an annual payout or 23.5% with a monthly payout
- Minimum Investment : EGP 1,000 and multiples
- Eligibility : Available to Egyptians , foreigners , and minors
- Purchase Options : Internet banking , mobile banking , ATMs , or bank branches
- Redemption : Permitted after six Months from purchase
- Additional Benefits : Can be used as collateral for loans or credit Cards
This One-year certificate Became one of Egypt’s most Popular investment Products during 2024 , providing strong Returns amid Inflationary pressures .
Updated Interest Rates ( Effective September 2025 )
After the Central Bank of Egypt reduced its key interest rate , “NBE adjusted its savings certificate Yields as follows :
- Three-Year Platinum Certificate : 17% Annually ( previously 18.5% )
- Three-Year Tiered Certificate ( Monthly Payout ) :
“Year 1: 21%
“Year 2: 16.75%
“Year 3: 13.5%
- Three-Year Tiered Certificate ( Annual Payout ):
Year 1: 23%”
Year 2: 18.5%”
Year 3: 14%”
- USD Certificates :
Three-year : 4.75%
Five-year : 4.85%
Seven-year : 4.90%
In April 2025 , NBE announced the Discontinuation of its 27% high-yield Certificates , replacing them with lower-yield Alternatives aligned with the central bank’s policies .
Banque Misr — Savings Certificates Overview
“Talaat Harb” One-Year Certificate ( Introduced January 2024 )
- Annual Return : 27% annually or 23.5% monthly
- Minimum Denomination : EGP 1,000 and multiples
- Eligibility : Egyptians and non-Egyptians , including minors
- Redemption : Available after six months
- Purchase Options : Online banking, mobile app , ATMs , or over 800 Branches
- Collateral Option : Eligible for loans and secured credit Cards
“Ibn Misr” Three-Year Certificate ( Reissued March 2024 )
Annual Payout :
Year 1 : 30%
Year 2 : 25%
Year 3: 20%
Quarterly Payout :
Year 1 : 27%
Year 2 : 23%
Year 3 : 19%
Monthly Payout :
Year 1 : 26%
Year 2 : 22.5%
Year 3 : 19%
Redemption : Allowed after six months
“Al-Qimma ” Three-Year Fixed Certificate
- Annual Yield : 21.5%
- Eligibility : Egyptians and foreigners
- Term Start: Begins on the business day Following purchase
Banque Misr Interest Rate Changes ( September 2025 )
In line with national Monetary policy Adjustments , Banque Misr announced new rates for its Savings certificates :
- “Al-Qimma ” Three-Year Certificate : Reduced to 17% from 18.5%
- “Ibn Misr” Decreasing Certificate :
Year 1 : 20.5%
Year 2 : 17%
Year 3: 13.5%
USD Certificates :
Three-year fixed : 4.75%
Five-year fixed : 4.85%
Common Features Between NBE and Banque Misr Certificates
Feature National Bank of Egypt Banque Misr
Minimum Investment EGP 1,000 EGP 1,000
Term Counting Next business day Next business day
Available Currencies EGP and USD EGP and USD
Early Redemption After six months After six months
Loan or Credit Option Available Available
Purchase Channels Online , mobile , ATMs , branches Online , mobile , ATMs , branches
Economic Context Behind the Rate Adjustments
The Central Bank of Egypt’s interest rate cuts During 2025 Aimed to encourage Investment and stabilize economic growth . Both NBE and Banque Misr responded by Reducing yields on new certificate Issuances .
While the Earlier high-yield certificates Offered returns of Up to 30% , the new Rates reflect a shift toward Sustainable lending and investment practices in the face of lower inflation and currency stabilization efforts.
Choosing the Right Savings Certificate
When comparing certificates , investors should consider :
- The certificate’s duration and Payout frequency
- Fixed or variable Return options
- Currency denomination (EGP or USD)
- Early Redemption flexibility
- Eligibility for borrowing or Credit support
Short-term Investors may prefer One-year Certificates for liquidity , while three-year options are suited for those seeking consistent returns .
How to Purchase Certificates
Both banks provide Multiple ways to buy savings certificates :
- Via online or mobile Banking platforms
- Through ATMs or branch Visits
- Using Debit or current accounts for direct payment
Customers can monitor their certificate Balances , interest payments, and renewal status digitally .
Outlook for 2026 and Beyond
Financial analysts anticipate moderate interest rate stabilization by early 2026, with savings certificate returns likely to remain in the range of 16–18% .
This indicates a Transition from temporary high-yield Instruments to more Balanced and predictable financial products .
Disclaimer
This Article is for informational and Educational purposes only . Certificate terms and Interest rates may change . Readers should Confirm details directly with the National Bank of Egypt or Banque Misr Before making Financial decisions .